stock
Upstart Holdings Inc
NASDAQ | UPST
70.13
USD
+$0.00
(+0.00%
)At Close (As of Sep 18, 2025)
$6.55B
Market Cap
-
P/E Ratio
-0.05
EPS
$96.43
52 Week High
$31.40
52 Week Low
FINANCIAL SERVICES
Sector
UPST Chart
Recent Chart
Price Action
UPST Technicals
UPST Earnings
Yearly Income Statement (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Gross Profit | $629M |
| Total Revenue | $629M |
| Cost Of Revenue | - |
| Costof Goods And Services Sold | - |
| Operating Income | -$173M |
| Selling General And Administrative | $389M |
| Research And Development | $254M |
| Operating Expenses | $757M |
| Investment Income Net | - |
| Net Interest Income | $138M |
| Interest Income | $186M |
| Interest Expense | $48M |
| Non Interest Income | - |
| Other Non Operating Income | - |
| Depreciation | - |
| Depreciation And Amortization | $21M |
| Income Before Tax | -$128M |
| Income Tax Expense | $185K |
| Interest And Debt Expense | - |
| Net Income From Continuing Operations | -$129M |
| Comprehensive Income Net Of Tax | - |
| Ebit | -$132M |
| Ebitda | -$112M |
| Net Income | -$129M |
Revenue & Profitability
Earnings Performance
UPST Financials
yearly Balance Sheet (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Total Assets | $2.4B |
| Total Current Assets | $949M |
| Cash And Cash Equivalents At Carrying Value | $788M |
| Cash And Short Term Investments | $788M |
| Inventory | - |
| Current Net Receivables | $127M |
| Total Non Current Assets | $1.4B |
| Property Plant Equipment | - |
| Accumulated Depreciation Amortization Ppe | - |
| Intangible Assets | $9.4M |
| Intangible Assets Excluding Goodwill | $9.4M |
| Goodwill | $67M |
| Investments | - |
| Long Term Investments | $41M |
| Short Term Investments | $41M |
| Other Current Assets | $29M |
| Other Non Current Assets | - |
| Total Liabilities | $1.7B |
| Total Current Liabilities | $310M |
| Current Accounts Payable | $12M |
| Deferred Revenue | - |
| Current Debt | - |
| Short Term Debt | $196M |
| Total Non Current Liabilities | $1.4B |
| Capital Lease Obligations | $50M |
| Long Term Debt | $1.2B |
| Current Long Term Debt | $196M |
| Long Term Debt Noncurrent | - |
| Short Long Term Debt Total | $1.5B |
| Other Current Liabilities | $108M |
| Other Non Current Liabilities | - |
| Total Shareholder Equity | $633M |
| Treasury Stock | - |
| Retained Earnings | -$411M |
| Common Stock | $9K |
| Common Stock Shares Outstanding | $89M |
yearly Cash Flow (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Operating Cashflow | $186M |
| Payments For Operating Activities | - |
| Proceeds From Operating Activities | - |
| Change In Operating Liabilities | - |
| Change In Operating Assets | - |
| Depreciation Depletion And Amortization | $21M |
| Capital Expenditures | $837K |
| Change In Receivables | - |
| Change In Inventory | - |
| Profit Loss | - |
| Cashflow From Investment | -$238M |
| Cashflow From Financing | $560M |
| Proceeds From Repayments Of Short Term Debt | - |
| Payments For Repurchase Of Common Stock | - |
| Payments For Repurchase Of Equity | - |
| Payments For Repurchase Of Preferred Stock | - |
| Dividend Payout | - |
| Dividend Payout Common Stock | - |
| Dividend Payout Preferred Stock | - |
| Proceeds From Issuance Of Common Stock | - |
| Proceeds From Issuance Of Long Term Debt And Capital Securities Net | - |
| Proceeds From Issuance Of Preferred Stock | - |
| Proceeds From Repurchase Of Equity | -$22K |
| Proceeds From Sale Of Treasury Stock | - |
| Change In Cash And Cash Equivalents | - |
| Change In Exchange Rate | - |
| Net Income | -$129M |
yearly Income Statement (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Gross Profit | $629M |
| Total Revenue | $629M |
| Cost Of Revenue | - |
| Costof Goods And Services Sold | - |
| Operating Income | -$173M |
| Selling General And Administrative | $389M |
| Research And Development | $254M |
| Operating Expenses | $757M |
| Investment Income Net | - |
| Net Interest Income | $138M |
| Interest Income | $186M |
| Interest Expense | $48M |
| Non Interest Income | - |
| Other Non Operating Income | - |
| Depreciation | - |
| Depreciation And Amortization | $21M |
| Income Before Tax | -$128M |
| Income Tax Expense | $185K |
| Interest And Debt Expense | - |
| Net Income From Continuing Operations | -$129M |
| Comprehensive Income Net Of Tax | - |
| Ebit | -$132M |
| Ebitda | -$112M |
| Net Income | -$129M |
UPST News
UPST Profile
Upstart Holdings Inc Profile
Sector: FINANCIAL SERVICES
Industry: CREDIT SERVICES
Upstart Holdings, Inc. is a financial technology company based in San Mateo, California, that leverages cloud-based artificial intelligence to enhance the lending process with a focus on personal loans. By utilizing sophisticated machine learning algorithms, Upstart aims to improve credit decisioning, enabling higher approval rates and lower interest costs for borrowers while offering lenders a deeper understand of risk. The company's innovative platform represents a shift in traditional lending practices, positioning Upstart as a key player in the evolving landscape of AI-driven financial services.
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